Evaluate the financial health of the two banks

Question

Problem: A security analyst calculates the following ratios for two banks. How should the analyst evaluate the financial health of the two banks?

                                            Bank A     Bank B
ROE                                        22%        24%
ROA                                         2%        1.5%
Equity Multiplier                        11X         16X
Profit Margin                            15%        14%
Asset Utilization                        13%        11%
Spread                                     3%          3%
Interest Exp. Ratio                     35%       40%
Provision for loan loss ratio         1%          4%